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Home Insurance

Get a free carbon monoxide detector when you choose Square One

And, get the best house insurance policy in Canada

Buy a house insurance policy from Square One and we’ll send you a free First Alert® carbon monoxide detector (valued at $35), so you can rest easy that both your home and your health are protected.*

To get started, click the button below to get a quote online. Or, continue reading to learn about the dangers of carbon monoxide poisoning and how you can protect your home with a policy from Square One.

What is carbon monoxide poisoning?

Carbon monoxide (CO) is a gas that’s produced by burning fuels such as gas, oil, kerosene, wood or charcoal. This gas is extremely toxic and continued inhalation causes poisoning and ultimately, death.

Unlike natural gas, which is deliberately made to smell like rotten eggs, you can’t smell, see or taste carbon monoxide gas. It’s a silent killer that can prove deadly within minutes. So, what can you do about it?

Prevent CO poisoning

Prevention is better than a cure. Here’s are some ways you can keep your family safe from CO poisoning:

  • Install a CO detector in your home.
  • Ensure your gas appliances are properly vented.
  • Have your gas appliances inspected annually.
  • Get your chimney cleaned or checked annually.
  • Only buy CO tested and approved appliances.
  • Never heat your home with a gas stove or oven.
  • Never use a generator or burn charcoal indoors.

Get a CO detector

Buy a house insurance policy from Square One and we’ll send you a free carbon monoxide detector. To start, get an online quote.

First Alert® CO detector

Recognize CO poisoning

If you experience the following symptoms of CO poisoning, leave the area immediately and seek fresh air. Call 911 right away or go to the hospital.

  • Headaches.
  • Dizziness.
  • Nausea.
  • Confusion and drowsiness.
  • Fast breathing, fast heartbeat, or chest pain.
  • Vision problems.
  • Seizures.

House insurance that customers love and trust

Complete protection for your house and personal property in just 5 minutes

Traditional house insurance providers offer pre-packaged policies. For houses that cost $500,000 to rebuild, traditional policies include $50,000 for detached structures, $350,000 for personal property and $100,000 for additional living expenses. But if you don’t need all this coverage, why pay for it?

At Square One Insurance Services, you personalize your house insurance policy to meet your unique needs. This provides you with more relevant protection at a great price. Better yet, our policies automatically include critical fire and water backup protection. No paying extra.

After writing 13,311 reviews and rating Square One 4.7 stars out of 5, it’s clear customers love the way we’re changing house insurance. Continue reading to learn why Square One is right for you.

Personalized home insurance. At Square One, you design your own policy with as much (or as little) help as you need. That means you get great coverage at the best price. No more paying for things you don't need.

Digital platform. With Square One, you can get a quote, buy a policy and even submit a claim – all online, from the comfort of your own home. Quotes and policies are managed through your online account, but if you need help, expert assistance from one of our licensed insurance agents is just a webchat or phone call away.
Superior protection. All policies from Square One represent the highest level of protection currently available in Canada. We make it easy for you to protect your home against common perils (such as water damage and theft) and we even cover the costs of rebuilding your home to meet the latest bylaw or code changes.
Guaranteed building replacement coverage. Get the peace of mind you deserve. Simply insure your home to Square One’s suggested limit and, if you experience a loss, we’ll rebuild your home, even if the cost of doing so exceeds your limit of insurance.
Personalized coverage . All policies protect most common personal property items including laptops, smartphones and furniture. If you own specialty property (such as bicycles or fine arts) you can also add coverage to your policy. That way, you only pay to insure what you actually own.
Need to make a claim? Making a claim with Square One is easy. In fact, most of the process can be done online. You’ll get your own dedicated adjuster to work with you from start to finish to make sure you’re back on your feet in no time. And, Square One pays out on 90% of all claims submitted in Canada.
Interest-free monthly payments. We’re confident you’ll love our service and stay with us. That’s why we don’t lock you into a contract. With us, you can pay monthly or annually and there’s no fixed-term contract. You can also change your payment preferences through your online account.
Coverages and Deductibles

Learn how you’re protected
with Square One

When you buy home insurance from us, the experience is straightforward from quote to claim. Learn more below about the coverages, deductibles, protection and claim service offered by Square One. You can also download sample policy wordings.

House related coverages. Your house is probably the largest asset you own. So, properly protecting it is really important. Our system will help you determine the estimated rebuild cost for your house, which will form the basis of your building limit. You'll then have the option of insuring any detached structures on your property as well as landscaping, fences and gardening equipment.

Building: This coverage protects, on a guaranteed replacement cost basis, the main structure of your house as well as attached garages, swimming pools and hot tubs. It also protects, on an unlimited basis, additional costs due to building code changes.
Detached structures, fences and landscaping: This optional coverage protects any structures located on the property that are not attached to your house, including carriage homes, docks, garages, gazebos, workshops and sheds. It also protects all trees, shrubs, lawns, fences, retaining walls, rockeries, and anything else that improves your home's curb appeal. Note that patio furniture is considered personal property.

Personal property and specialty coverages. Traditional providers don't give you much control when it comes to insuring the contents of your home. They include pre-packaged protection that is based on your house's rebuild cost. And, they automatically include protection for specialty property whether you own it or not.

At Square One, you decide what specialty property you insure and for how much. You also decide how much protection you need for your most common personal property, which includes appliances, electronics, furniture and clothing.

Personal property: This mandatory coverage protects all the other "moveable" property you own. This includes appliances, household goods, electronics, furniture and clothing in your home, garage and storage unit. This coverage does not protect any specialty property, which includes: bicycles, sporting equipment and watercraft; business property; fine arts and collectibles; jewellery and watches; and landlord's property.

Business property: This optional coverage protects any property that you use as part of your trade, profession or occupation. If used for both business and personal purposes, it must be insured as business property. Note that this coverage does not protect business operations/exposures in any other way.

Fine arts and collectibles: This optional coverage protects visual art, including paintings, sculptures, drawings, limited edition prints, and other pieces that cannot be easily replaced, like hand-woven or hand-knotted rugs or carpets made in Asia. It also protects any items collected as a hobby, for display, or as an investment, whose value may appreciate, including sports card collections, first edition books, and coin collections. And, it protects any porcelain ware, plates, cups, saucers that are used on special occasions; eating and serving utensils made of silver that are also used on special occasions; and figurines made of porcelain or ceramic material.

Jewellery and watches: This optional coverage protects objects designed for the adornment of the body, including necklaces, bracelets, rings, earrings, watches and precious stones.

Bicycles, sporting equipment and watercraft: This optional coverage protects any personal and portable equipment used for athletic or recreational activities. This includes cycling, equestrian, fishing, golf, hang-gliding, hockey, hunting, paragliding, shooting, skating, skiing, snowboarding, surfing and windsurfing. It also protects commercially manufactured boats, canoes and kayaks. Any watercraft must be no more than 20 feet in length and, if motorized, must have no more than 100 horsepower in total. And, it protects related property like accessories, equipment and trailers.

Other coverages. There are a few other coverages that are essential to any insurance policy, including liability protection.

Additional living expenses: This mandatory coverage protects against increases in living expenses you incur because your home can't be lived in. This could be a result of damage to your home from an insured loss or an order to evacuate your home as a result of a sudden and accidental event. Identity theft and financial loss: Protects against financial losses resulting from the theft of your identity. Also protects against expenses incurred to fix your personal credit rating after your identity has been stolen.
Personal property on premises: In most cases, you won't have a lot of personal or specialty property on premises when building a new home or undertaking a major renovation to an existing home. That said; you can insure any "moveable" property you own that will be kept on premises during the period of construction or renovation. This typically includes appliances and household goods. Please note that this does not protect any specialty property, which includes: bicycles, sporting equipment and watercraft; business property; fine arts and collectibles; jewellery and watches; and landlord's property. Once the home is ready for occupancy, you'll have a wider range of personal and specialty property options. Legal protection: This optional coverage provides unlimited access to a telephone helpline through which you can receive legal or tax advice relating to any personal matter, except those relating to automobiles. In some cases, it also protects against legal costs to pursue or defend your personal rights.
Rental income: This optional coverage protects lost rental income from any portion of the home that is rented to others and rendered uninhabitable due to damage from an insured loss.

Policy deductibles. A policy deductible is the amount you must pay before your home insurance policy will respond. For example, if your $2,500 laptop is stolen and the claim is subject to a $1,000 deductible, you must pay the first $1,000 and your policy will cover the remaining $1,500. The higher the deductible you select, the lower the premium you pay on your insurance. Below are the various deductibles that may apply. It's important to note that only one deductible applies per claim even if payments are made under multiple policy coverages. The type of loss will determine the deductible that applies.

Earthquake: This deductible applies to each insured loss resulting from an earthquake. While earthquakes don't happen often, they cause significant damage when they do. As such, earthquake deductibles tend to be higher than those for other types of loss. Depending on where you live, you may be presented with a couple options.
Inland flood: This deductible applies to each insured loss resulting from an inland flood. If this deductible applies, you may be presented with a couple options. Please note that not all areas are eligible for inland flood protection. Standard: This deductible applies to each insured loss not specifically mentioned earlier. For example, the earthquake deductible, not the standard deductible, applies to each insured loss resulting from an earthquake.
Water backup: This deductible applies to each insured loss resulting from the backup or escape of freshwater or wastewater from a sewer, storm drain, drain, sump, or septic tank. If this deductible applies, you may be presented with a couple options.

Comprehensive protection. At Square One, you get a comprehensive (all-risk) policy. That means you're protected against all types of loss, except for those listed in the exclusions. Commonly covered losses include break-ins, burst pipes, hailstorms, fires, and more. Commonly excluded losses include coastal floods, repeated leakage, and wear and tear. For complete details on what is and isn’t covered, please refer to your policy wordings or download our sample wordings.

Download sample policy wordings

Making a claim. You buy insurance for peace-of-mind, so if you do need to make a claim we believe it should be simple and stress-free. That's why all Square One customers are protected by our commitment to handling claims fairly:

24/7 emergency claim line so we're there whenever you need us
For emergency claims you're guaranteed a response within 2 hours
For all claims, you'll work with a single claims adjuster
Quickly track each stage of your claim online
We guarantee that all claims are dealt with fairly, transparently and quickly
You're treated with respect and kept informed at every stage of your claim
It only takes 5 minutes

ready for an online quote? Policies start at $12/month if you rent your home and $40/month if you own your home. To see how much you can save with Square One, get a personalized online quote now.

*Terms and conditions

Square One Insurance Services is not affiliated with First Alert®. First Alert® is a registered trademark of Newell Brands Inc. First Alert® is not a sponsor of this promotion. Carbon monoxide detectors are only available to individuals who visit this web page and purchase a house (or homeowners) insurance policy from Square One Insurance Services. Offer valid from February 13, 2019 to March 13, 2019. Carbon monoxide detectors limited to one (1) per household. Carbon monoxide detectors will be sent to the address listed on the house (or homeowners) insurance policy.